There's no one-size-fits-all approach to retirement, and no single path to get there. Americans are living longer and financial security through retirement is a big challenge for many.

Older workers who start saving late may find it hard to catch up. And changes to the way we work, sparked by the gig economy, mean more workers have less access to employer-sponsored contribution plans. As the way we live and work continues to change, the ways we help people save for retirement need to change too.

SECURE and SECURE 2.0 were significant steps to provide Americans with better access to our retirement system. But we know that there is still more that can and should be done.

ACLI supports more public policies that increase availability, accessibility and affordability of retirement security products for all.